Send your first transfer

Every Pady transfer goes out on direct NIP rails with no internal batching. When the app says Sent, the money has already landed. Here's how to make your first one.

1. 1

   Tap Send on the home screen

   The big blue button. You'll see recent recipients across the top for one-tap repeats.

2. 2

   Pick a bank and enter the account number

   Start typing the bank name — we auto-complete. Once you enter the 10-digit account number, the recipient's real name appears within a second.

3. 3

   Confirm the name matches

   This is the single most important step. If the name doesn't match who you think you're paying, stop. Never rely on the account number alone.

4. 4

   Enter the amount and a note

   The note is for your own records — it shows up on your statement and in the recipient's SMS alert.

5. 5

   Authorise with your PIN or Face ID

   The transfer leaves your account immediately. You get a receipt with a session ID you can share with support if anything looks off.